The cheapest acquiring: which bank has the lowest rates, what is the merchant acquiring rate

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According to Law No. 2300-1 and the amendments made to it, starting from 2017, acquiring must be installed by all organizations and individual entrepreneurs (carrying out settlements with the population), whose total last year’s income exceeds 40 million rubles.

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What is acquiring in simple words?

Acquiring is in itself the acceptance of non-cash forms of payment for goods or services with the help of an acquiring bank and specialized equipment. Many people confuse the POS terminal or pin pad itself with acquiring. In fact, acquiring is a bank service for servicing the personal account of a client (organization) and accepting non-cash payments.

Types of acquiring:

Trade acquiring (this is the acceptance of non-cash payments using a terminal for goods or services),

Internet acquiring (this is the ability of websites and online stores to accept non-cash forms of payment using special services and web interfaces),

Mobile acquiring (accepting non-cash forms of payment using a mobile mPOS terminal connected to a mobile device (tablet, smartphone), ATM acquiring (these are all those ATMs and self-service terminals with the ability to accept non-cash payments).

How acquiring works

The cashier requests permission for the transaction to be carried out at the terminal or through the cash register,

There is an authorization in the system and a check of the card’s solvency and a request to the bank to process the payment,

The client inserts the card or touches it to the terminal, after which he enters the PIN code. If everything is in order, the money is debited from the client’s account and a check is issued.

Processing information about payment transactions for acquiring is carried out by processing centers. What happens when a customer enters a PIN code and confirms payment? The data is sent to the processing center, which in turn transmits this information to the payment system (Visa, MasterCard, etc.), the card is checked for solvency. If there is not enough money, the client is refused. If everything is in order, then approval of the transaction is sent to the bank, where authorization and another check of the account and card takes place. The transaction is being formed. The funds paid by the client remain in the bank for some time.

At the end of the day, the teller must send data about the day's transactions to the bank. The bank processes the information received and transfers funds to the client’s account, minus service fees, within the time period specified in the contract (from two days to a week, depending on the terms of service and the bank).

What is an acquiring commission

There is such a thing as an acquiring commission - this is a percentage established by a specific banking organization for using the service. Each of them has its own commission.

It depends on the type of service. It could be:

Internet acquiring;
Trade;
Mobile.

The first type has the highest acquiring fee, since additional services are used to make online payments. Typically its value does not exceed 5%. The cheapest Internet acquiring has a rate of 3%.

Trade acquiring is considered budgetary. Here the interest rate is 1.5 to 2.9%. Again, it all depends on the revenue and type of business.

The mobile view takes second place. Payment is made using special m-POS terminals connected to a smartphone. The commission amount is 2.3-3% per transaction.

The bet sizes of 15 banks can be found in the TOP 15 offers in this article below. The exception is 3 organizations that offer individual settlement conditions on the market:

Opening;
Rosselkhoz;
Gazprom.

These banks do not provide ready interest. Everything is calculated individually, depending on turnover and industry.

With a simplified taxation system, the interest on acquiring can be taken into account in the expense book. The acquiring commission for the simplified tax system “income minus expenses” is calculated from the full amount of the goods, before deducting the percentage of the payment transaction for the bank.

Let's look at an example:

A man bought a phone for 5,000 rubles and paid with a card. What amount should be indicated in the book of income and expenses (KUDIR)? After all, the bank withdraws its interest. Let’s say it will be 2.5%, then not 5,000, but 4,875 rubles will come to the current account.

In all cases, you should indicate the figure taking into account the percentage - 4875, however, for simplified people on the simplified tax system everything is different. The KUDIR records the full cost of the phone paid by the client.

Acquiring and its advantages

Every year, more and more people switch to non-cash forms of payments, which is why it is so important to conclude an acquiring agreement and install equipment. Residents of large cities have already almost completely switched to using non-cash payments, and many of them simply do not have cash with them. If your organization (shop, cafe, bar, etc.) does not accept non-cash payments, then it simply loses a large chunk of profit and valuable customers.

What are the advantages of connecting acquiring:

An increase in profits by 15-20% due to the influx of new customers (those who have not previously visited a retail outlet due to the lack of the ability to pay with a card will come to you, which is why it is important to notify the client about the availability of acquiring);

An increase in the average check (as statistics show, clients spend more when paying non-cash, since they are less conscious of the importance of spending, because it is easier to part with virtual money than with real money);

Reducing the share of counterfeit banknotes in the organization’s turnover; Bonuses and cashback for clients (many banks offer profitable service systems for their clients);

Reducing the cost of collection; Reducing queues (making payments using a bank terminal is much faster, because the cashier does not need to waste time issuing change, and the client does not need to search for and get cash);

There is no need to take risks with cash anymore; There are no problems with giving change to the client, reducing the percentage of lost clients due to the lack of opportunity to give change.

Thus, the advantages of using acquiring become obvious. As for online stores, they will simply lose a large share of customers and sales if they are unable to accept payments on their trading platforms.

Trade, mobile and Internet acquiring for individual entrepreneurs

Trade acquiring is used for non-cash payments at the point of sale. To make a payment, you need special equipment - a POS terminal. Using it, the required amount is debited from the buyer’s plastic card. There are several types of devices: stationary, mobile, portable terminals and pin pads. The choice of one or another type of equipment will depend on the company’s activities and conditions at the retail outlet.

Internet acquiring is necessary for stores that sell their goods and services via the Internet to accept non-cash payments on the website. This service is not available for all companies. Entrepreneurs engaged in the sale of precious stones or products made from them, medicines or dietary supplements, weapons or ammunition, etc. cannot use Internet acquiring. The entire list can be found on the websites of financial institutions or the Central Bank.

The operating principle of mobile acquiring is no different from the operating principle of merchant acquiring. Only in this case, a smartphone or tablet is used to accept payment. Mobile acquiring is perfect for courier services, taxi drivers, street cafes, etc.

How to connect acquiring?

Connecting acquiring services in itself is not difficult. The main difficulty is choosing a favorable tariff and the appropriate bank. Connecting acquiring begins with the conclusion of an agreement between the bank and the client. Typically, equipment for accepting payments is either purchased by the client or leased. These conditions are also indicated when concluding the contract.

Connecting acquiring for an individual entrepreneur does not require the mandatory opening of a current account with the bank with which the acquiring agreement is concluded. But as a rule, opening an account makes the terms of service more favorable. So here you have a choice: contact the credit institution where the current account is opened, or another. If you nevertheless decide to open a new bank account, then you do not need to notify the Federal Tax Service. The bank itself notifies the tax office. If you contact a foreign bank, you must contact the Federal Tax Service in person or by mail.

Connecting acquiring for an organization (LLC) begins with the mandatory opening of a current account with the acquiring bank.

Opening an account will reduce the cost of service and increase the speed of money transfer. If you work with acquiring through an account in another bank, you will waste time transferring funds between different banks.

Connecting acquiring step by step:

Selecting a bank and service tariff (payment aggregator, provider),

Conclusion of a service agreement,

Waiting for consideration of the application,

If the answer is positive, receipt and configuration of equipment (or service),

Acquiring functionality test,

Employee training.

Trade acquiring without opening an account

According to the laws of the Russian Federation, all LLCs are required to have a current account, but such strict limits are not established for individual entrepreneurs. Entrepreneurs decide for themselves whether they need a bank account.

For example, a current account is needed if you accept non-cash payments, including through the acquiring system. After all, where, if not to the bank account, will payment for goods and services be transferred? Therefore, acquiring without opening an account is impossible.

Today every entrepreneur can open a current account in one bank and connect acquiring from another. Most banks provide this service. Of course, this is very convenient, but in practice, receiving funds in such “roundabout” ways slows down the process and makes it more expensive.

We advise you to read: Acquiring without opening a current account.

At the same time, some banks in 2020 work only with their own current accounts, encouraging their clients by providing discounts on services and other bonuses.

Which acquiring service should you choose?

If you decide to connect to bank acquiring, then you are faced with the task of which acquiring to choose.

Mobile acquiring

If mobile acquiring is required, then there are two choices: use a mobile terminal (mPOS terminal) or an online cash register with built-in acquiring. Mobile terminals for merchant acquiring are devices with a keyboard, a screen, and a built-in battery that connect to other mobile devices (smartphone or tablet). The device is a pin pad that reads data from the card. All acquiring actions take place through a mobile phone.

Types of POS terminals for acquiring

Conventionally, terminals for accepting payments from bank cards can be divided into the following groups:

Modular . Here, individual functions are distributed across different hardware units. To combine them into one system, you often need a computer or other device responsible for running the application software (smartphones or tablets are also suitable for these tasks). The modular approach allows you to build complex POS systems for the full range of tasks solved by the cash register module. Examples of individual blocks: Pinpad (needed to enter a PIN code). They can connect to both POS systems and standalone POS terminals. The most interesting option for the retail market is connecting to online cash registers. In this case, some of the functions are completely transferred to this node, or more precisely: a contactless reader;
keyboard for entering PIN code;
display.

Card reader for reading one or another type of card.

Printer for printing receipts/slips.

Autonomous. These are devices that represent a monolithic system of all the necessary blocks. That is, such terminals already have their own card reader, printer, pinpad, etc., and can work completely autonomously. But to include them in a unified accounting system of a trade enterprise, they can be equipped with interfaces (for example, to connect to a cashier’s workplace or to an accessible network with Internet access). Standalone POS terminals can be divided into the following subtypes:

Stationary.

Portable/portable. They can work for a long time even without external power. Equipped with a built-in modem for 2G/3G/4G communications and/or other interfaces for wireless connections: Wi-Fi, Bluetooth, etc.

Specialized. This is mainly embedded equipment, which is used in self-service devices. In turn, such terminals can be autonomous or modular. Private types of specialized POS terminals include the following:

Devices with signature capture.

Equipment with biometric identification (fingerprints, face, etc.).

Built-in POS terminals (for vending machines, self-service cash registers, etc.).

Software . Before the widespread introduction of contactless payments, the only alternative to terminals was Internet acquiring. But NFC modules in smartphones and on bank cards have made another type of payment possible - without a terminal at all. The NFC module of the smartphone acts as a reader. The bank application and its servers are responsible for all other operations.

Mobile terminals (m-POS). They can be called modular devices rather than standalone ones, since structurally they consist only of a reader and a pinpad (sometimes even only a reader). And a third-party device (smartphone or tablet with an application installed on it) is responsible for the calculations. Banks or special services offer them as a separate solution with their own tariffs and a separate agreement.

Online cash registers
. Here, the POS terminal can be included in another monolithic or composite device. The online cash register can take over all the functions of the cash register module. The basic set already includes:

Computing device.

Fiscal storage. Complies with the requirements of 54-FZ (capable of exchanging data with the OFD).

Receipt printer.

For now, a built-in POS terminal in online cash registers is rather rare. Most common models simply support connecting the most popular stationary or mobile (portable) external devices. An example of a combined device is mCassa from Russian Standard. All terminals can be classified according to technical parameters:

type of cards being read (magnetic stripe, with chip, contactless);
type of connection (wired/wireless and in terms of specific technologies: LAN, 2/3G, Wi-Fi, etc.);
additional capabilities (interfaces for connecting auxiliary equipment, integration with cash register modules and enterprise information systems).

Scheme of technology operation

Only an individual entrepreneur or a legal entity that has entered into an acquiring agreement with a bank can accept non-cash payments.

The organization of accepting payments is as follows:

The cashier clarifies the payment method with the client; if the payment is made from a card, the buyer is provided with a terminal of the acquiring bank or the cashier asks to give him the card.
The card is rolled with a magnetic stripe, inserted with a chip or applied to the display of a POS terminal (only for cards with NFC - contactless payments). The device requests authorization (entering a PIN code, providing documents with signature verification, etc.).
If authorization is successful, the acquiring bank blocks the purchase amount on the card account at the issuing bank. If there is not enough money, the payment is interrupted.
If the limit allows you to complete the purchase, a positive response is returned. A receipt (slip) for debiting funds is printed, the buyer picks up the goods.
The acquiring bank confirms the successful purchase to the issuer, and the funds are finally debited from the cardholder's account in favor of the acquirer.
The transaction between banks is closed by clearing files.
The amount is transferred to the account of the enterprise (legal entity or individual entrepreneur) with the frequency specified in the acquiring agreement.

Mobile payments through POS terminals occur somewhat differently (a smartphone is used instead of bank cards, for example, Apple Pay, Samsung Pay, etc.). Card data is stored in encrypted form. The application installed on the smartphone requests a unique code (token) for each new purchase, which is transmitted to the terminal instead of the real card number via NFC. After checking the issued token with the data of the real card on the servers of the tokenization service provider, the payment is made as usual, as from a regular bank card account. This approach increases the security of each individual mobile payment transaction.

Mobile acquiring terminal PAX D200

At Multikas you can purchase a mobile acquiring terminal PAX D200. The device connects to all smartphones based on iOS or Android, as well as online cash registers under 54 Federal Laws. Works through the “Accept Card” system with VTB, Binbank, MTS Bank, Russian Standard banks and with all payment systems.

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Cash acquiring or online cash register with acquiring

You can choose a cash register with built-in acquiring. This form of acquiring is convenient for couriers and delivery services. It's much easier to carry one device rather than two. Cash acquiring simplifies the process of settlements with customers. To connect, you need to purchase a cash register and enter into an agreement with the bank. We remind you that according to Federal Law 54 it is necessary to issue a receipt to the buyer and use the online cash register.

Trade acquiring and 54-FZ

Recently, cash registers at retail establishments were subject to forced modification - in 2020 they became online cash registers. Unlike cash registers of the previous generation, equipment that complies with Law No. 54-FZ not only records revenue and prints receipts, but also:

encrypts and stores fiscal data;
transmits information to the Federal Tax Service database.

Accordingly, a device for accessing the Internet and a special fiscal drive appeared at the box office. The second article of the law states that the use of cash registers is mandatory when accepting both cash and non-cash payments. Thus, the use of acquiring does not exempt the entrepreneur from using cash register systems.

Stand-alone POS terminals connected to retail equipment can work as before, without updates. But POS systems and SMART terminals must meet new requirements: transmit electronic receipts to the Federal Tax Service , like all online cash registers from 2020.

Cash desk with acquiring Letebox 5

At Multikas you can purchase a cash register with built-in acquiring. Pay attention to the Litebox 5 model. The mobile cash register has wide functionality, complies with Federal Law 54 and works with the OFD. The cash register has a powerful built-in battery that ensures full operation throughout the working day. Fast receipt printing will not make the client wait long. The cash register works with your Litebox personal account based on a cloud system. The cash register allows you to conduct inventory and analytics.

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Criteria for choosing the most profitable acquiring for individual entrepreneurs

When choosing the best bank for acquiring, individual entrepreneurs need to focus on the following criteria:

commission size;
minimum turnover requirements;
terminal rental cost;
subscription fee for the service.

In addition, you need to pay attention to the conditions for connecting the acquiring service. Some banking organizations connect the service only to their clients, so we advise you to further study the tariffs for cash settlement services.

Acquiring rental

Many banks lease equipment to their clients. In this case, all maintenance (replacement of equipment in case of breakdown) is undertaken by the organization with which the contract is concluded. Check information about maintenance and replacement of the terminal before concluding a contract.

In retail outlets, as a rule, it is best to use stationary merchant acquiring. As a rule, push-button bank terminals with a small screen and a magnetic card reader are used. Such devices have different ways of connecting to the cash register and the Internet. The most common terminals are Ingenico and Verifone. Such devices have a built-in receipt printer. Terminal prices vary. Typically Wi-Fi and wired Internet connections are used.

Pay attention to the method of connecting to the Internet when purchasing a terminal.

How to choose an acquiring terminal for a store?

When choosing an acquiring terminal for a store, you need to proceed from the economic feasibility and format of trading activities. The following are the most common types of retail businesses and the equipment models suitable for them.

Small retail store

If there are no constant queues in the store, and a buyer’s delay of a few seconds is not of fundamental importance, then an inexpensive POS terminal will be sufficient for such a retail outlet. If you have an online cash register, you can buy a stationary device that runs from a wall outlet and wired Internet.

Model of the Ingenico iCT250 acquiring terminal for a stationary store

The following models have proven themselves well:

Ingenico iCT250;
PAX S80 Ethernet;
VeriFone Vx520.

These terminals are reliable, unpretentious in operation and support all methods of reading information. Sellers and buyers will be satisfied with their work. If the counter is small and it is difficult to place a terminal on it, then you should think about additionally purchasing a PIN pad and installing it on the client’s side.

If you need to buy an online cash register, you should take a closer look at SMART terminals, which will ensure maximum equipment compatibility at a minimal price.

Outdoor trading

When doing outbound trading, courier delivery, or selling goods in a container on the market, the entrepreneur does not have the opportunity to connect to the Internet and power supply. In such cases, portable MPOS terminals connected to a smartphone will be convenient.

2CAN NFC P17 terminal model, compatible with mobile gadgets

Among this category, the following models are most in demand:

2CAN NFC P17;
Pay-Me card reader;
2CAN P15.

In such cases, full-fledged mobile POS terminals are also suitable, but they are more expensive and take up more space. Therefore, preference should be given to simple and compact solutions.

Acquiring tariffs of banks

Each bank has its own tariffs for merchant acquiring. Here are the rates some popular banks provide:

Bank	Commission and equipment cost
Sberbank	From 1.8 to 3.2%, rent from 1500 to 3000 ₽/month.
VTB 24	From 1.6%, individual conditions
Alfa Bank	From 2.5 to 3%, purchase from 7700 ₽/piece.
Raffeisen Bank	From 1.89 to 2.19%, purchase from 14900 to 30000 ₽/piece, rent from 1000 ₽/month.
Dot	From 1.3 to 2.3%, purchase from 12,000 to 20,000 RUR/piece, rent from 1,200 RUR/month.
Russian standard	From 1.8 to 3.5%, purchase from 13,500 ₽/piece.
Modulbank	From 1.6% to 1.9%, purchase from 16,000 to 27,000 ₽/piece, rent from 1,500 ₽/month.

Tariffs for Internet acquiring are usually higher than for commercial acquiring. This is due to the more expensive transaction procedure.

Shopping VS mobile

If you have a small company, any type of acquiring may be suitable for you. It all depends on where exactly you trade: at regular retail outlets or on online platforms.

Online

Internet acquiring is provided for online stores. It allows customers to buy a product or service in a few seconds. Its main advantage for clients is speed. Money is debited from the client's account instantly. And they arrive at the PC store in a few days.

The procedure itself goes like this:

a client visits your website and selects a product or service;
on each site there is a “buy” button next to the product, the client clicks it;
then a form opens for him to fill out (he needs to select a payment system and enter card details);
Some sites provide automatic payment if you have previously made purchases there (the system will remember your card);
Then you will receive an SMS notification with a code, which you enter into a special window to confirm payment.

Recently, online stores have installed fraud protection for themselves. Now buyers not only need to enter their details, but also confirm the payment.

If the card is not linked to your phone number, we recommend that you do so. Otherwise, you will have to forget about online shopping. This protection system allows cardholders to protect themselves in case of theft, because the loss of a card may not be immediately noticed. But when you receive an SMS about online purchases, you will immediately open your wallet to see if the card is there.

In addition, such a system also protects the store. After all, if a client of a stolen card contacts the bank, the money for the purchase will have to be returned to the store.

To make online payments you also need a current account. The table shows several banks with favorable conditions.

Bank	Terms of Service
Dot	“Required minimum” – individuals do not need to pay for transfers, withdrawals are free. For 300,000 rubles commission – 1%
	“Golden mean” – 500 rubles per month and the first 10 payments are free. Transfers to individuals up to 200,000 rubles are free for individual entrepreneurs; Up to 100,000 transfers for legal entities – 1%.
	“All the best at once” – 500 rubles – the first 3 months, then 2.5 thousand rubles. Transfers for individual entrepreneurs up to 500,000 rubles are free. Transfers for legal entities up to 300,000 – 1%.
Module	An account opens in 5 minutes, free withdrawal of funds up to 1,000,000 rubles + up to 7% on the account balance. The tariff is selected individually.
Tinkoff	“Simple” – monthly fee – 490 rubles per month and 3 free payments. Next – 49 rubles.
	“Advanced” – 1990 rubles every month and 10 first payments. Then the price per payment is 29 rubles, or you can buy unlimited for 990 rubles.
	“Professional” – 4990 rubles every month. Each payment is 19 rubles, or you can buy unlimited for 1990 rubles.

Trade

Trade acquiring is connected at retail outlets. However, if you have your own website through which goods or services are traded, you can connect two types of acquiring at once.

If you have home delivery, you can connect mobile acquiring and purchase an m-POS terminal or cash register. Of course, for outlets with a small turnover that do not have their own online store, only the trade type of service is suitable.

Let's say you just opened a bakery. Trading takes place only at the point of sale, and accordingly, home delivery is not provided. You don’t have your own online store either. This means that in your case it is advisable to connect only trade acquiring.

Moreover, the interest rate will increase depending on the turnover. If it is 50,000 rubles, then the commission will be 2.3%. And with a turnover of 100,000 rubles, it will decrease to 1.9%. That is, the higher the turnover, the lower the rate.

What to look for when purchasing?

When choosing a service rate, it is important to pay attention to whether the service rate changes when sales volume changes. Many banks use penalties when sales levels decline. It is best to choose flat rate plans. It is better to clarify the information yourself and in advance to avoid misunderstandings.

Many banks provide equipment for rent. It is better to clarify in advance which terminal will be provided to you: used or new. If the terminal is used, what is the action plan in case of breakdown and whether you are responsible for it.

It is important to pay attention to whether it is necessary to open a current account when drawing up an acquiring agreement.

It is of great importance what time it takes for the bank to approve the application and connect the equipment. It is equally important to clarify what deadlines for transferring money to the current account are established by the tariff.

Also, when concluding an agreement, it is important to know which payment systems the acquiring works with and whether contactless payments are supported.

It is important to clarify maintenance and training issues for your organization's employees.

If you pay attention to all these points, you can avoid unpleasant situations and connect acquiring services profitably.

ACQUIRING IN MULTIKAS

Did you like the article? Share it on social networks.

Irina 04/26/2020 15:16
I don’t agree with your comment; on the forums you can find good and proven acquiring companies with individual conditions. And not these snickering banks
Answer
Maria 07/09/2019 23:20
Comment There are many banks, but in my opinion, it is more profitable not where the tariffs are lower, but where convenient conditions for partnership have been created. For example, the absence of minimum turnover and competent support. Or free provision of terminals, like I have at Cinco Bank. Not all banks help with connection, but they provided me with an IT specialist and trained my employees. The devices work without any problems, the bank transfers money to my bank account quickly. If questions arise, your personal manager promptly helps resolve them.
Answer
Ruslan 02/13/2020 16:51
Comment Why is this advertising review needed here? My friends (two) had their bank accounts blocked!!! One hasn’t been able to get money for 6 months and the other hasn’t been able to get money for 8 months!!!! When they told me about this bank, I was even surprised because I had never heard of the existence of such a bank... All these stupid banks will close sooner or later

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If the individual entrepreneur has small revenue

There is no single profitable acquiring for individual entrepreneurs. The type of service is selected individually; it all depends on the type of business. However, you can choose a bank with the lowest interest rates and conditions that meet your requirements. Now almost every bank provides acquiring.

If you have already chosen a suitable acquirer, we recommend that you indicate the actual turnover in the application. After all, if the bank discovers that you have inflated the numbers, you will be asked to switch to another tariff.

We also recommend that you pay attention not only to the interest rate, but also to the terms of the partnership. Banks also offer additional benefits in the form of free opening of a PC or free rental of terminals.

It is also worth asking what type of cashless payment machine you will be given: a new one or an already used one. What is the cost of maintenance and repair in case of breakdown.

All these nuances will help you choose the right bank for cooperation.

As a rule, large organizations have not just one retail outlet, but a whole network of stores. And even your own website, which presents a catalog of goods or services. Therefore, LLCs usually connect several types of acquiring. Depending on the area of activity. You can choose the most favorable tariff by comparing all offers on the banking market.

Acquiring for individual entrepreneurs: equipment, tariffs, connection